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Thank you for your question and welcome. My name is ***** ***** I will assist you. Was the charge registered at the Land Registry? Has the company gone into insolvent liquidation or has it just been dissolved? Kind regards AJ
Thank you. Can you send me the charge document? Is the director refusing to repay the loan? Has the director just taken the company assets and closed it down? Kind regards AJ
Thank you. Did Ms Johnson sign this? Kind regards AJ
Thank you. I am afraid this wont be a valid charge or guarantee. Is the director denying the claim? Kind regards AJ
Thank you. It says that a charge will be held with a solicitor, so have you had any correspondence with the company advisors? Your only option at this stage would be to apply to have the company restored, then have it put into liquidation. You would then be able to potentially pursue the directors personally if they have misappropriated the company assets?
Thank you. Directors (and their assets) are only personally liable for company debts if they accept liability in writing or commit and offence under the Companies Act or Insolvency Act - they would have to trade the company knowing it to be insolvent. If you had anything with the directors signature on that may be a start. Is it possible that this was all fraud? Who approached you for the loan? Kind regards AJ
Thank you. Did your adviser have any disclaimers when she approached you? Did she try to ensure you obtained proper security?
Hi, I think you would be best served pursuing your financial adviser. This is potentially negligent advice you have been given. Did she advise you of the risks of investing? Kind regards AJ
Thank you. I think it would be worth (without making any accusations) having an initial conversation. Have her explain how she found the investment etc You could potentially have a claim under the Supply of Goods and Service Act 1982 s.13 failure to provide the service with reasonable care and skill - this could also be negligence.
I would be most grateful if you would take a moment to rate my answer. I am happy to continue this dialogue.
Kind regards AJ